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Financial insight that earns its place in your inbox.
Original analysis on family office, accounting, payroll, personal finance and the financial news that moves markets — written by the specialists behind Mosaic Financial Solutions.
Topics
Five lenses on your money.
Each topic is curated by the Mosaic specialists who work in it every day.
Family Office
Structuring, estate planning, fiduciary and inter‑generational wealth.
Accounting
Financial statements, compliance and the numbers behind the business.
Payroll
Employee tax, statutory submissions and getting payroll right.
Personal Finance
Tax, retirement, risk and making the most of what you earn.
Financial News
Markets, the economy and the regulation that shapes your money.
Fresh thinking, published as it happens.
The most recent articles, pulled live from the Mosaic Adviser editorial system.
Financial News
Treasury targets 2026 single administrator for unclaimed assets to speed owner tracing
The National Treasury proposes a framework to centralise unclaimed financial assets in South Africa by 2026. The plan aims to consolidate existing unclaimed assets under a single administrator to improve tracing owners, streamline claims processing and enhance transparency. Details on governance, timelines and stakehol
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Financial News
Treasury floats single national hub for South Africa’s unclaimed financial assets
National Treasury of South Africa has released a discussion paper proposing centralisation of unclaimed financial assets into a single national mechanism. The paper seeks views on design, governance, transfer processes and safeguards for consolidating assets held by banks, insurers, retirement funds and others.
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Financial News
Minister Meth signals tougher enforcement of South African labour laws, warns employers to comply
Minister of Employment and Labour Nomakhosazana Meth said the labour laws of the Republic of South Africa are mandatory and must be complied with, emphasising enforcement and adherence by employers and employees.
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Financial News
HSBC’s half-year numbers land: did earnings hold up and what’s the dividend signal?
The company published interim financial results for the six months ended 30 June 2026. The announcement presents performance measures and may include income, expenses, profit or loss, and other relevant interim disclosures for that period.
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Financial News
Eskom’s weekly energy availability climbs to 72.56% as outages ease, seven provinces off cut list
State power utility Eskom says its weekly energy availability factor reached 72.56 percent, outage levels fell sharply and the impact of load reductions dropped to 6.8 percent. Seven provinces have been removed from the scheduled load reduction plan as supply constraints ease.
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Financial News
Johannesburg wipes out R5.25bn Eskom arrears, ending dispute with the utility
State-owned power utility Eskom says the City of Johannesburg has settled in full a R5.25 billion overdue electricity debt. The payment clears the outstanding balance owed to Eskom and resolves the dispute between the municipality and the utility.
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Financial News
Absa’s digital personal and private banking users up 14% to 5.4m; tech spend rises 7% to R8.8bn
Absa reported a 14% year‑on‑year increase in active digital customers in personal and private banking to 5.4 million for the six months to end‑June. South Africa grew 10% and other African regions 21%, driven by digital onboarding and app upgrades. Information technology related costs rose 7% to R8.8 billion.
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Financial News
Africa’s payments grid is knitting together, but currencies keep cross‑border flows tethered
African countries are progressing on a unified payments market, but more than 40 national currencies, many not directly convertible, mean cross-border transfers still depend on settlement banks and pre-funded accounts to move funds between markets.
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Financial News
HSBC’s H1 2026 results put global bank earnings and Asia exposure under the spotlight
The company released its interim financial results for the six months ended 30 June 2026. The announcement covers performance metrics and financial position for the period and provides figures and commentary on operations and outcomes for the half year.
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Financial News
‘0005’ back on the board: HSBC trading resumes on Hong Kong Stock Exchange after suspension
The Hong Kong Exchanges and Clearing Limited has announced the resumption of trading in the shares of a listed company following a prior suspension. The exchange notice confirms conditions for resumption have been met and trading will continue under normal market rules. No further company details were provided in the n
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Financial News
Eskom bans 101 suppliers for up to 10 years, raising procurement and delivery risks
State-owned power utility Eskom says a disciplinary process has led to 101 suppliers being restricted from doing business with the company for periods of up to 10 years. The action follows investigations into supplier conduct; Eskom did not disclose full details for each supplier in the announcement.
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Financial News
Treasury moves to centralise unclaimed assets in a single national fund
National Treasury of South Africa published a discussion paper proposing centralisation of unclaimed financial assets into a single national fund and mechanisms for identification, reporting and transfer from financial institutions. The paper invites stakeholder comment and outlines potential legal, operational and gov
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Financial News
Treasury outlines plan to centralise unclaimed financial assets in a single national repository
The National Treasury published a framework proposing a central register and processes to consolidate unclaimed financial assets held by banks, insurers, retirement funds and other institutions into a single national repository. The proposal covers identification, transfer, claims procedures and governance to improve r
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Financial News
Employment Laws Amendment Bill would widen harassment protections, tighten employer duties
The Department of Employment and Labour says the Employment Laws Amendment Bill would extend legal protections for employees to cover all forms of harassment in the workplace, not only sexual harassment. The bill aims to strengthen employer responsibilities and remedies for victims, and to clarify definitions and proce
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Financial News
HSBC (HKEX:0005) maps out concrete steps and milestones to lift auditor disclaimer of opinion
The company provides a voluntary update on its action plans to resolve an auditor disclaimer of opinion. It outlines implementation steps, progress milestones and further measures to address the issues raised by auditors and restore reliance on its financial statements.
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Financial News
PayInc to assume key payment-system management roles from Payments Association of South Africa
PayInc will assume specific payment system management functions previously overseen by the Payments Association of South Africa. The transfer is being carried out in collaboration with the South African Reserve Bank, the Payments Association of South Africa and industry participants as part of an ongoing evolution of t
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Financial News
HSBC’s mid-year results land without guidance as rates pivot and China risks loom
The company released its interim results for the six months ended 30 June 2026. The announcement presents financial and operational performance for the period but includes no forward guidance or management commentary in the excerpt provided.
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Financial News
South Africa’s consumer inflation eases to 4.3% in July, nearing target midpoint
Headline consumer inflation fell to 4.3% year on year in July 2026 from 5.0% in June, with a monthly Consumer Price Index increase of 0.2%. The slowdown was driven by weaker food and non-alcoholic beverage inflation, smaller municipal tariff rises and lower fuel prices.
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Financial News
HSBC’s half-year scorecard tests whether Asia still drives earnings as rates bite
Company released interim results for the six months ended 30 June 2026. The announcement presents financial performance and operating highlights for the period and may include comparative figures, management commentary and key metrics; no actions or guidance are specified in the excerpt provided.
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Financial News
Fed minutes lay out split views on inflation and jobs, keeping path of rates data‑dependent
The United States Federal Reserve released the minutes of the Federal Open Market Committee meeting held on July 28–29, 2026. The document records participants’ discussion of recent economic data, inflation, labour market conditions and monetary policy options considered at that meeting.
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Financial News
South Africa tightens Basic Conditions of Employment Act to curb disguised employment
The Department of Employment and Labour announced amendments to the Basic Conditions of Employment Act to address disguised employment practices. Changes aim to clarify employment status, strengthen enforcement and protect worker rights by preventing misuse of contracts to avoid obligations. The department emphasised c
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Financial News
HSBC posts first‑half 2026 results, sets out earnings, costs and credit trends
Company released interim results for the six months ended 30 June 2026. Announcement presents financial performance and operational highlights for the period and may include earnings, revenue, segment results and other material information.
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Financial News
African Growth and Opportunity Act extension welcomed but United States Section 232 steel duty remains obstacl
The African Growth and Opportunity Act extension provides continued preferential access for eligible South African exports to the United States market. However, the United States Section 232 tariff on steel imports remains in place, continuing to affect South African steel exporters and complicating trade benefits from
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Financial News
SARS opens consultation on digital VAT model to modernise collection and curb fraud
The South African Revenue Service is inviting public comment on a proposed digital value-added tax model intended to modernise value-added tax administration, improve compliance and reduce fraud. Details on the model, consultation process and submission deadlines were provided in the invitation.
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